Simply enter the same password you use for Consumer Online Banking – and rest assured that it’s just as secure.

Try our FREE new app now!1 Search for UB&T on the App StoreSM or Google Play.TM

1Message and data rates may apply from your wireless carrier.
iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. Google Play is a trademark of Google Inc.

]]>http://www.ub-t.com/our-upgraded-app-is-ready-to-use/feed/0TurboTax Online and UB&T Online Bankinghttp://www.ub-t.com/turbotax-online-and-ubt-online-banking/
http://www.ub-t.com/turbotax-online-and-ubt-online-banking/#commentsMon, 09 Feb 2015 22:25:16 +0000adminhttp://www.ub-t.com/?p=1815Read the rest]]>For those of you that file your tax returns with TurboTax Online via the link on UB&T Online Banking – after thorough investigation, our security team would like to assure you that there is no vulnerability to UB&T online systems or user information.What happened?
As you are likely aware, Intuit issued a press release announcing that they, and some states, have seen an increase in suspicious filings and attempts by criminals to use stolen identity information to file fraudulent state tax returns and claim tax refunds.What does this mean?
• The fraud attempt announced today did not stem from TurboTax or Intuit; it is much broader than that. We understand that stolen identities, including user names and passwords, were gathered from recent data breaches and used to attempt to login and file fraudulent returns.
• Intuit has been working very closely with state agencies to ensure that the necessary precautions are in place to re-engage in the safe processing of state returns.
• The reason that Intuit temporarily suspended the filing of state returns was to add additional filters as a measure to prevent fraudulent returns from being submitted. This process is complete and all systems are back up and open for filing returns.
• Here is the latest update from Intuit as of approximately 3:40 p.m. PT (2/6/15): http://investors.intuit.com/…/TurboTax-Resumes…/default.aspx
• You may also reference the press release issued by Intuit earlier this morning: http://investors.intuit.com/…/Intuit-Working-W…/default.aspx
]]>http://www.ub-t.com/turbotax-online-and-ubt-online-banking/feed/0Making Saving A Priorityhttp://www.ub-t.com/making-saving-a-priority/
http://www.ub-t.com/making-saving-a-priority/#commentsThu, 22 May 2014 14:41:28 +0000adminhttp://www.ub-t.com/?p=1610Read the rest]]>It will be easier to save money if you make it a priority. Take some time and figure out what you’d like to save money for, is it retirement, a house, car, college, that dream vacation? Figure out how much it will cost. Then make your plan:

Set a timeline for when you’d like to reach your goal.

Set a schedule by dividing the total goal amount by the number of weeks, months or pay periods between now and your goal date.

Be vigilant by treating your savings contribution just like any other must-pay expense, such as rent or groceries.

Find Money to Save

At different times in our lives it may seem difficult just to make ends meet. These helpful tips may just help you find extra money you didn’t even know you had.

Here are some ways to find it:

Keep track of everything you spend for a week. You might be surprised what you’re buying, and what you can do without.

Use cash – decide ahead of time how much money you want to spend and set aside a certain amount of cash. This can help you stick to a budget and avoid impulse purchases.

Reduce your bills. Conserving electricity and gas can make a big difference.

Rank your nonessential expenses. Keep the ones you like the best and cut the items on the bottom of the list.

Pack a lunch. Or cook more dinners at home. Eating out at restaurants can eat up a lot of money that could be saved.

Pay Yourself First

Many people pay everyone else first – whether it’s the landlord or the electric company. But it’s vital to start paying yourself first by saving money. Once you’ve set aside money for long term savings or your ‘goal’ savings, you can divide up your money to cover everything else.

An easy way to start saving is to automatically transfer funds from your checking account to your savings account, money market or other accounts. If you need assistance in setting up these automatic transfers, be sure to contact your Personal Banker. 608-882-5200.

Large water fountains are full of water and available for the cows 24 hours per day

On Tuesday, March 25th Union Bank & Trust Company sponsored a Dairy Tour for area dairy farmers. Over 100 farmers attended from Green, Rock, Dane, Jefferson and Walworth counties. The participants toured two state-of-the-art dairy farms and learned from an informative luncheon presentation that focused on the dairy section of the new Farm Bill.

he Jersey cows are happy, content and free to eat all day!

Our first stop was the York Dairy of Lake Geneva. The York’s new facility was open for production in late October of 2013, although the facility is new; this family has been dairy farming in the Lake Geneva area for several generations. The York Dairy milks 240 Jersey cows with four robotic milkers. The cows are free to visit the robots on their own schedule at any time throughout the day (the milkers are open 24 hours per day). The average cow in this herd visits the robot for milking 3.1 times per day. The York’s cows are housed in a six row, free stall barn that is tunnel ventilated with 36 fans moving the air through the barn. The barn is insulated and according to Tom York, never dropped below 40 degrees during the recent frigid winter. The York Dairy is owned by Tom and Carty York. Their children Erik, Wayne and Chelsea along with Tom’s parents, Walter and Mary are all involved in this farming operation.

The older dairy barn at Dutch-Made Holsteins is still used to house the smallest calves on the farm.

The farmers also enjoyed a family style lunch with speaker, Scott Brown of the University of Missouri-Columbia. Brown is the program director for the Food and Agriculture Policy Research Institute. Brown led a discussion on the major changes in the Farm Bill – changes that will require action by each dairy producer in the nation. Brown’s presentation was focused on helping our local producers prepare to sign up for new dairy supports defined in the Farm Bill.

The Jersey cows are fed a total mixed ration – specially calculated and designed for them by the farm’s personal nutritionist. This Total Mixed Ration includes things like corn, corn silage, haylage and minerals. It is a balanced diet for the cows.

After lunch the attendees visited Dutch Made Holsteins – a 400 cow dairy owned by the Vanderstappen family of Lake Geneva. This dairy is milking 400 cows (mainly Holsteins) three times per day in a double 10 Germania parlor. The cows are housed in a six row, sand bedded free stall barn. The manure system on this farm allows them to reclaim nearly 95% of the sand, separate it out and reuse it as bedding for the cows. This allows for less waste hauled to the fields and a smaller carbon footprint when dealing with manure from the cows, (fewer loads of solid waste = less tractor and fuel usage). This farm is family owned by Martin and Nancy and currently two of their children, Marty and Adrianna, work full time on the farm.

Union Bank & Trust Company is an active and leading agricultural bank – we are proud to work with today’s farmers and look forward to our continued commitment to the agricultural industry. We would like to thank the Yorks and Vanderstappens for opening their farms, so allowing other area farmers to participate in a great day of learning.

Cows are comfortable and able to move around the barn on their own free will during the day – eating, walking around or resting in their sand bedded free stalls.

These Holstein cows at Dutch-Made Holsteins visit the parlor three times per day to be milked.

]]>http://www.ub-t.com/2014-dairy-tour/feed/0Creating a Budget in Three Easy Stepshttp://www.ub-t.com/creating-a-budget-in-three-easy-steps/
http://www.ub-t.com/creating-a-budget-in-three-easy-steps/#commentsMon, 07 Apr 2014 16:11:47 +0000adminhttp://www.ub-t.com/?p=1432Read the rest]]>You already have most of the information you need. To create your budget, follow the simple steps outlined below to get a clear picture of your monthly finances.

1. Add Your Income

To set a monthly budget, you need to determine your income. This Budget Worksheet will take you to a simple worksheet. Be sure to include all of your income – salary and interest, and any other income. Be sure to use your take-home pay, not your gross pay. There is an additional “other income” line item if needed.

2. Estimate Expenses

Keep track of your expenses for one month. The worksheet categorizes spending as either fixed or flexible expenses. Fixed expenses do not change from month to month – items like an auto payment or insurance. Flexible expenses change from month to month; this could be food or gasoline. If you notice significant spikes in expenses from month to month, it may be best to average that dollar amount over 3 months.

3. Figure Out The Difference

Once all of your income is tallied and your expenses totaled, subtract the expense total from the income total to get the difference. If you have a positive number, you’re spending less than you earn—that’s terrific! If the number is negative, then your expenses are greater than your income. That means one of two things, either cut back on expenses; or increase your income.

Once you’ve created your budget, the next step to keep track of actual spending. Stick to your budget as best as you can. Make adjustments as needed. Half the battle is knowing where your money goes.

]]>http://www.ub-t.com/creating-a-budget-in-three-easy-steps/feed/0Fall 2013 Newsletterhttp://www.ub-t.com/fall-2013-newsletter/
http://www.ub-t.com/fall-2013-newsletter/#commentsSun, 20 Oct 2013 15:20:19 +0000adminhttp://emgraphics.net/ubt/?p=1269Read the rest]]>Here at UB&T®, we continue to enhance current, and provide new services to help you manage your money more efficiently.

In addition to online and mobile banking, UB&T now offers . This is an innovative payment service that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting. Best of all, you don’t need a new account to send or receive money. Just use your current bank account.

To send money, log in to your online bank account. Look for Popmoney under the Move Money tab. (you will be prompted to complete several steps for security purposes). Send money to anyone using his/her email address, mobile number or bank account information. You will be notified when the transaction is completed.

When you are the recipient, you will receive an email or text message telling you someone sent you money. You can log in to your bank account and direct the funds there. If you don’t provide your account information, the payment will be automatically returned to the sender’s account. Money sent directly to a bank account will be automatically deposited there. It’s just that easy!

At no time does UB&T or the Popmoney service share your bank account information. When sending money, the recipient will see your first name, last name, and the message you wrote for the payment.

Updates:

We are very close to launching our new and improved website! The overall design and functionality will make it easier to locate and use what you need. We have also added more informational and educational links. The feedback from a recent customer survey showed us that our customers are looking for more information regarding saving, budgeting, fraud prevention and online security.

The main office in Evansville, and the Motor Bank have undergone a facelift. Be sure to stop by and take a look at our new signs. After 60 years, we thought it was time to update our building signs using our UB&T logo.

We also just celebrated Prent Eager’s 65 years with UB&T – amazing! Here he is being presented with a Lifetime Service Award from Darryl Lund (Community Bankers of Wisconsin) and Steve Eager. Congratulations Prent!!

]]>http://www.ub-t.com/fall-2013-newsletter/feed/0Credit Reports: Just the Factshttp://www.ub-t.com/credit-reports-just-the-facts/
http://www.ub-t.com/credit-reports-just-the-facts/#commentsFri, 04 Oct 2013 15:39:06 +0000adminhttp://emgraphics.net/ubt/?p=1170Read the rest]]>Fall has arrived-time to set back the clocks, get a flu shot, and check your credit report? Wait a minute. Check your credit report?

It’s important to set an annual routine – credit reports contain information about late payments, amount of total debt, number of credit cards, and other facts that can affect the loan interest rates, terms, and fees that you pay. Incorrect information can occasionally appear in any individual’s credit report and the sooner you correct errors, the less harm they can do to any loan applications or loan interest rates.

You can check the accuracy of your credit reports for free once every year with each of the three private firms that prepare the reports-Equifax, Experian, and TransUnion.

The information in credit reports can play a role in whether you are offered a job or eligible for a loan. A Federal Trade Commission study found that about 5 percent of credit reports have errors that are big enough to trigger higher interest rates for loans http://www.ftc.gov/os/2013/02/130211factareport.pdf

Still, only about 16 million free reports are ordered each year out of more than 200 million people in the United States with credit records. In Wisconsin, around 39 percent of adults reported obtaining a copy of their credit report in one recent year, compared to 42 percent nationally, according to a 2009 FINRA Financial Capability Study http://www.usfinancialcapability.org

These contacts were created by the three nationwide consumer credit reporting firms and are the only no-cost contacts for your free credit reports.

Other websites claim to offer free reports, but they often charge significant fees. Similarly, responding to unsolicited e-mails, pop-ups, or phone calls offering reports may lead to unwanted fees.

Final note: if the unlikely happens and you are unable to resolve a dispute with a credit bureau over wrong information in your file, you can submit a complaint online to the U.S. Consumer Financial Protection Bureau at www.consumerfinance.gov/complaint.

Identity Theft: Protect yourself!

Internet Fraud: If it sounds too good to be true, it probably is

Social Media: Be careful who you trust

Play it safe with portable devices

]]>http://www.ub-t.com/online-security-videos/feed/0Heading to Collegehttp://www.ub-t.com/heading-to-college/
http://www.ub-t.com/heading-to-college/#commentsWed, 28 Aug 2013 18:47:47 +0000adminhttp://emgraphics.net/ubt/?p=1041Read the rest]]>Like vacationers packing for a cruise or workers buying a wardrobe for a new job, students beginning their freshman year at college are rightly excited about the journey they are about to begin. In addition to planning their technology needs and dorm room furnishings, new students might consider a variety of financial topics they will possibly face for the first time. During their early college years, students can benefit from setting aside even an hour or two to plan their finances, including these topics:

Student loans: Students who rely on loans to help pay for their college expenses will want to read the fine print and understand when funds are available and all repayment requirements. They will want to balance the amount they accept in loans vs. their future career choice.

Part-time employment: College students who work 10 or 15 hours per week often learn to make effective use of their time; however, those who work 20 or more hours sometimes find it difficult to keep up in their courses.

Spending plans: College can be one of the most rewarding periods of a lifetime, filled with learning, new friends, and dreams to explore. A budget should allow a cushion to participate in new activities.

Scholarships and grants: Once a student has settled on a major, there may be scholarships available within their program. This is a question to ask an academic adviser. Even a small grant can enable a student to commit more hours to study, work fewer hours, or lower the amount of student loans.

Credit cards: College can be a good time to create a sterling record of wise credit card use, though students will want to carefully monitor their purchases, realizing that credit card debt can sneak up on any consumer. This is also a good time to learn about credit reports and begin a habit of checking them several times each year.

Housing/rental leases: When students sign any rental agreement, this is another time to carefully read the fine print. Will they be liable for damage caused by a guest? Are overnight guests permitted? If roommates are involved, all should agree upfront about such issues as guests, cleaning standards, and who is responsible for cleaning, food shopping, meal preparation, and other needs.

Identify theft: Routinely checking credit reports and frequently reviewing check and debit card usage online can help catch unauthorized payments. Remember: the best way to prevent theft is to keep close watch of wallets, cell phones, receipts, laptops and all other items containing personal financial data.

Careful planning during the first year of college can prevent personal financial crises and set the stage for a lifetime of good financial habits.

A large percentage of Americans feel they’re doing a better job of managing their finances, yet many are not confident in their understanding of personal finance. Adequate savings is a concern for many Americans, whether saving for an emergency or for retirement.

Key findings:

About 40% of adults have a budget and closely track their spending. In other words, 60% don’t use a budget.

One-third of adults or more than 77 million Americans do not pay all their bills on time.

Nearly 40% do not have any non-retirement savings.

37% carry credit card debt from month to month – a 7% decrease since the question was first asked in 2009.

Insufficient savings tops the list of financial worries, with 43% most worried that they don’t have enough emergency savings, and 38% worried they’ll retire with inadequate savings.

78% agreed they could benefit from advice regarding everyday financial questions from a professional.

If you see yourself in these statistics, now is a good time to make a change:

Create a budget

Develop a savings plan

Plan your retirement strategy

Make your personal finances a priority

It may seem a bit overwhelming, but as your community bank; UB&T is here to help – stop by one of our 5 offices or give us a call. We can help you get started.